Credit law repair includes some good ‘ole fashioned legwork and determination when standing face-to-face with growling debt collectors.
While “mining for deletions,” Mark noticed one particular charge-off for $1,816.00.
$1816.00???
To whom? Mark had no knowledge of this account.
His report did not identify the (Original) Creditor, only a BIG-NAME collection agency that sends chills down my spine when I hear this name.
1. Mark sent one simple dispute letter to the credit bureaus reporting this inaccurate account as “NOT MINE”.
With just a little more work, Mark discovered the Original Creditor’s contact information. He sent a another simple letter to the CEO and all other “c” class executives whose addresses he easily uncovered.
*NOTE** No private eye training or license required. This is Consumer Advocacy 101.
When You’re Determined…Really Determined…Anything Is Possible!
THE LETTER PERFORMS MIRACLE
Mark casually noted in his letter to the company’s executives that the company and its (in-house) collection agency had not complied with the FCRA…by sharing the following:
“I am aware of the laws stating a company such as yours must have a 3rd party verification and a signed contract or information that confirms this is an account I opened. Repeatedly, I have said this is not my account. However, I have not received your debt validation. I will wait 15 days from receipt of this letter before filing suit. According to The Fair Credit and Reporting Act (FCRA), section § 623. Responsibilities of furnishers of information to consumer reporting agencies [15 U.S.C. § 1681s-2]….”
Throughout, Mark remained calm, professional and persistent. His credit law repair required facts, not emotion, and a dose of persistence. He did not give up, and he didn’t pretend to be an attorney.
One Simple Credit law Repair Letter Can Stop Harassing Bill Collectors Dead In Their Tracks!
Mark’s letter landed on the desk of the company’s Chief Executive Officer (CEO), who forwarded his letter to the company’s Director of Collections.
So what do you think happened next?
Do you think:
A. The D of C sent a hit squad to Mark’s house, angry for being called out by the BOSS?
B. The D of C immediately resigned his position as D of C, professionally damaged by an unintentional mistake that harmed someone’s credit?
C. The Director was “…eager to resolve this unfortunate situation to Mark’s satisfaction:”
“…my report showed the debt as a charge-off once in February of last year and another in December of last year, showing a possible re-aging [of the account].
From the credit report’s legend, I wasn’t sure if I had a violation [on the orignal creditor] because the legend key at the bottom said it could mean a collection or a charge-off….and of course they [original creditor or collection agency] didn’t report to the bureaus as disputed….it was the original creditor…they [the original creditor] even had on file all the times I disputed with them, which was like 4 times.” -Mark
And the answer is:
“C”. If you chose “C,” you are the winner of the all expense paid trip for 2 to the vacation destination of your choice. 
Congratulations! My sweepstakes manager will be contacting you shortly with your prize.
What about Mark?
What did Mark’s PERSISTENCE get him? Glad you asked.
You see, Mark’s persistence overshadowed his mistakes. Mark did not do what we suggested.
He improvised…he deviated from script…he marched to his own beat. However, he managed to get his letter onto the top dog’s desk. The top dog personally passed
Mark’s letter to the Top Dog of Internal Collections. Mark doesn’t know “WHY” he scored a deletion…but then who cares how he scored a deletion.
He SCORED a deletion and that’s all that matters…well, actually what really matters is that he score a deletion that does not reappear.
**NOTE** Mark did just a little homework. He used solid credit law repair to score his deletion in writing from the Top Dog. “…account deleted permanently from all three credit reporting agencies from now and to perpetuity….”
“….from now and to perpetuity….” What the hell does that mean? Hmm? Why can’t these guys just speak English?
Credit law repair may or may not require a “lawyer.” Sometimes you need to know HOW and WHAT. You Really Can Repair Your Own Credit FAST…when you know what the hell you’re doing and when you take action!
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